Should I make a purchase? 2011 BMW 328i xDrive Sedan

DipsetGeneral said:
I am a Direct Care Professional in residential care.
What are you talking about? I conceded to not being able to afford the 328i and posted vehicles on the 3rd page which are a whole lot cheaper.

Your suggesting I buy used, not CPO or new for cars that only cost $12,000-$17,000 and I am listening to everyone's advice in here.

At the end of the day, I will do what I think is best FOR THE LONG TERM.
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My dude I didnt mean it in a bad way. What I meant was that you are going from compact to sedan from luxury to fuel efficient etc etc etc.

You need to narrow your search ...

Size compact full etc
Economy and performance V4 V6 etc
Brand American European etc

Needs 2 or 4 doors space or not are you tall or short do you drive allot or not how r the roads is a rear wheel drive good for your location ....
 
Sell the whip and grab a bus pass papito.

Get stuck payin a car note every month for 5 - 6 and you'll be 30 living at home.

Don't become a badge flosser.....
 
mholmes87 said:
Sell the whip and grab a bus pass papito.

Get stuck payin a car note every month for 5 - 6 and you'll be 30 living at home.

Don't become a badge flosser.....
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Hmmmmmmm...

Keko Jones said:
My dude I didnt mean it in a bad way. What I meant was that you are going from compact to sedan from luxury to fuel efficient etc etc etc.

You need to narrow your search ...

Size compact full etc
Economy and performance V4 V6 etc
Brand American European etc

Needs 2 or 4 doors space or not are you tall or short do you drive allot or not how r the roads is a rear wheel drive good for your location ....
Click to expand...

Ohh okay, no bad blood. All of the cars I posted on page 3 perfectly fit your description up above. However they are new.

I got $2000 on me right now to spend on a whip new or used. I'm down wit' a compact sedan that's American or Euro.
 
the thing is I highly doubt you will be approved for a loan making $1300 a month

I think you should get your priorities straight; what is the point to having this whip if you have no money to do anything and you live at home?
 
StillIn729 said:
the thing is I highly doubt you will be approved for a loan making $1300 a month

I think you should get your priorities straight; what is the point to having this whip if you have no money to do anything and you live at home?
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I hear ya' man.

Many banks have offered me car loans and pre-approvals in the mail.
 
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StillIn729 said:
the thing is I highly doubt you will be approved for a loan making $1300 a month

I think you should get your priorities straight; what is the point to having this whip if you have no money to do anything and you live at home?
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stillin dont sugarcoat it for him

HE WONT GET APPROVED

its mind blowing how many ppl old and young have no concept of credit, they should teach it in HS srs
 
Yeah you aren't getting approved :lol:

You will need a cosigner best case scenario

You seem like a good dude Dipset; I would honestly focus on saving money and moving up or finding a better career; there will be a time when that Beamer is in your price range but right now is def. not the right time. I don't think any care payment on that salary is a wise choice; you will watch yourself go into debt very quickly.
 
now that i think about it using that 2k in an Atlantic City casino or on reselling kicks might be a better option :lol:
 
I mean, I do have credit history with my BOA and Capital On credit card. Haven't missed a payment since Sept 2007.
 
DipsetGeneral said:
I mean, I do have credit history with my BOA and Capital On credit card. Haven't missed a payment since Sept 2007.
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You can not miss a payment but doesn't mean a thing if you just pay the minimum or slightly above

You will need a cosigner; I can assure you that if you are even approved with that as an option plus you will get a really high interest rate

What is your credit score?
 
DipsetGeneral said:
I mean, I do have credit history with my BOA and Capital On credit card. Haven't missed a payment since Sept 2007.
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do you even know your credit score?

based on what youve said...........besides that fact that your income is low an this is def out of your league............your credit history is pretty slow/not much, an youve got delinquent history on file

you think youre gonna get a CPO BMW bro?

im not even tryna be mean its just mind boggling how many ppl have no concept, this is why ppl are in debt no matter 1300 a month, 2300 a month 3300 a month etc i just dont get it

anyways im glad youre checking with NT first so ppl can help you get your mind right
 
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I'll chime in. I'm in car sales and there is a 95% chance you won't get approved on in come alone?maybe with a co. With 2k down you could lease a nice focus or fusion on a low mile lease for around 200.00 a month you'll get great gas mileage and no worries except if you go over your miles. Ford has a first time buyer program on short term leases. That's what I sell so I know what they have going on. Also Chrysler has some stupid lease deals going on now. You gotta crawl before you walk. I bought a used sts when I was younger and it was a huge mistake. Yeah the luxury is nice when your trying to floss to it isn't practical .. Or if you can't lease save up about 5-6 k and cash put a solid used car.
 
Oh and if you do get approved on a long term buy it would be with a bank like onyx or CAC and your gonna pay like 25% interest. Not worth it bro
 
Antidope said:
Does that same concept apply to school loans?
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No schools loans help credit if you are making the monthly payment; they are set up just like a car loan just over a longer period of time

They are on a fixed monthly payment versus a credit card where the payment depends on your spending
 
StillIn729 said:
 
Antidope said:
Does that same concept apply to school loans?
Click to expand...
No schools loans help credit if you are making the monthly payment; they are set up just like a car loan just over a longer period of time

They are on a fixed monthly payment versus a credit card where the payment depends on your spending
Click to expand...
Appre
StillIn729 said:
 
Antidope said:
Does that same concept apply to school loans?
Click to expand...
No schools loans help credit if you are making the monthly payment; they are set up just like a car loan just over a longer period of time

They are on a fixed monthly payment versus a credit card where the payment depends on your spending
Click to expand...
Appreciate the education man
 
I fully understand wanting a German car.. I'd say get an 80's somethinganother and learn how to work on cars...
 
Get a 1994 toyata land cruiser because
That ***** ain't never broke down on me, why would I do that to her?
Simplism, symbolism, I'll pull up at a club
And might not never buy a new car again, if I can help it
Cause if I buy one, they gon sell ten, then what I'm left with?
Throw a ***** one on the strength, then we might could talk
Til' then, I will ride my ******' bike, or walk
 
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